Common use of LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS Clause in Contracts

LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS. If we do not complete a transaction from your personal account on time or in the correct amount, we will be liable for your losses or damages. However, we are not liable for any failed transaction if you do not have enough money in your balance to cover a transaction, if the ATM or device does not have enough cash or is not working properly, if circumstances beyond our control prevent the transaction, if the merchant requests authorization for an amount greater than the purchase amount, or if there are other exceptions stated in this Agreement or as provided by law. We are not liable for failure to complete a transaction on a business account if we send you notice that the transaction was not completed. Marijuana/Cannabis Related Businesses We do not accept, service or process transactions, personal or business, for marijuana/cannabis/hemp related activity. If transactions are detected during account monitoring, the account will be restricted or closed depending on the circumstances. Marketing Offers - Opt Out For personal information (such as your name, address or certain account-related information) shared among Affiliates, you may opt out of direct marketing of products and services to include both Wellby and third-party materials. Your choice to limit marketing offers from our Affiliates will not apply until you notify us to modify your preference. (Refer to Wellby’s Privacy Policy). Note: If you opt-out, it may take up to 90 days for direct marketing to cease. NCUA Insurance Funds in your Account(s) with us are insured by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States. The amount of insurance coverage you have depends on the number of accounts you have with us that are of different “ownership.” An individual Account is one unique form of “ownership”; a joint account, a pay-on- death account, and a self-directed qualified retirement account (e.g., an IRA) are examples of some of the others. Share insurance for a person’s self-directed qualified retirement account is up to $250,000. Funds are insured to $250,000.00 per depositor for the total of funds combined in all of your other insured accounts with us. If you want a more detailed explanation or additional information, you may ask us or contact the NCUA. You can also visit the NCUA’s website at xxx.xxxx.xxx and click on the Share Insurance link. The link includes detailed contact information as well as a share insurance estimator. Any deceased member remaining on an account after a six-month period, from the date of passing, will be removed by the Credit Union without notice.